topic Re: Chase Card Combine in Credit Cards

Chase Card Combine

Anonymous — Thu, 11 Jun 2009 22:14:58 GMT

I just called Chase to combine another card I have and I used the backdoor number posted. The rep told me as of yesterday they no longer combine chase accounts. Anyone else heard this, before I call back acting a fool?

Re: Chase Card Combine

Anonymous — Fri, 12 Jun 2009 13:58:35 GMT

Thanks anyway! I found out it's true on my own. Called another back door number and the young lady was so sweet and actually tried to combine the cards but the system would not allow her to proceed. Then she stated they did receive something stating that was no longer an option but she was trying it anyway to see if the system would allow it.

Re: Chase Card Combine

ocheosa — Sat, 13 Jun 2009 07:08:08 GMT

If you are trying to get a higher limit card, you can reallocate credit lines. For example: you currently have 2 cards at 10k each - move 8k from one card to the other, you now have 1-18k and 1-2k.

Re: Chase Card Combine

Anonymous — Sat, 13 Jun 2009 07:56:07 GMT

@ocheosa wrote:
If you are trying to get a higher limit card, you can reallocate credit lines. For example: you currently have 2 cards at 10k each - move 8k from one card to the other, you now have 1-18k and 1-2k.

What's the use of this? Unless you need one card to purchase something with the amount exceed your card limit, I'm not sure what's the benefit of this?!

Re: Chase Card Combine

ocheosa — Sat, 13 Jun 2009 08:12:59 GMT

@Anonymous wrote:
What's the use of this? Unless you need one card to purchase something with the amount exceed your card limit, I'm not sure what's the benefit of this?!

IMO the following are the most obvious reasons -

Balance transfers.
Utilization percentage
Large TL's beget large TL's.

Message Edited by ocheosa on 06-13-2009 01:12 AM

Re: Chase Card Combine

Anonymous — Mon, 15 Jun 2009 12:29:15 GMT

Can No longer do that either

Re: Chase Card Combine

ocheosa — Mon, 15 Jun 2009 12:46:30 GMT

@Anonymous wrote:
Can No longer do that either

That's strange, maybe one of your accounts is some type of co-branded card that cannot be combined? I know they still reallocate balances because I just moved some of my credit line from one account to another. I have the Disney and PerfectCard.

Re: Chase Card Combine

Anonymous — Mon, 15 Jun 2009 13:15:18 GMT

What number do you call? I have Perfect and Freedom.

Re: Chase Card Combine

ocheosa — Mon, 15 Jun 2009 13:39:16 GMT

@Anonymous wrote:
What number do you call? I have Perfect and Freedom.

I used the customer service number on the back of my card. For PerfectCard its 800-945-2000.

Another option from the backdoor thread: Chase: 877-781-3109 (combining & product change)

Message Edited by ocheosa on 06-15-2009 06:39 AM

Re: Chase Card Combine

Anonymous — Mon, 15 Jun 2009 13:43:46 GMT

Yep.. just called and they said they are no longer able. I beliebe this went into effect last week.

Re: Chase Card Combine

ocheosa — Mon, 15 Jun 2009 14:07:37 GMT

@Anonymous wrote:
Yep.. just called and they said they are no longer able. I beliebe this went into effect last week.

Just called disney cust svc. same message you received. Geez, these banks are going through so many changes, can't keep up.

You could always request a CLI...of course with a hard pull. Too bad you couldn't get in just before the policy change. Darn!

Message Edited by ocheosa on 06-15-2009 07:07 AM

Re: Chase Card Combine

Anonymous — Mon, 15 Jun 2009 15:07:21 GMT

Thanks for the suggestion!

Re: Chase Card Combine

ocheosa — Sun, 21 Jun 2009 06:47:01 GMT

@Anonymous wrote:
Thanks for the suggestion!

It seems a few people have been able to upgrade to the sapphire card and combine with the second card. If you don't mind the annual fee, maybe try this route. No one mentioned whether or not they took a hard inquiry for the upgrade though.

Edit to add: I was mistaken, there is no annual fee for the standard Chase Sapphire. The AF is on the preferred card. If you travel it looks like a good card. www.chasesapphire.com

Message Edited by ocheosa on 06-20-2009 11:47 PM

Re: Chase Card Combine

Anonymous — Sun, 21 Jun 2009 13:22:52 GMT

I was able to combine when I upgraded to the Chase Sapphire card.

Re: Chase Card Combine

Anonymous — Mon, 22 Jun 2009 13:59:46 GMT

Does this card report the CL?